spent2much UE diary

[Spent2much]

Re: spent2much UE diary

Type of account (loan in joint names)

Date commenced (2004)

Approx balance.( £1,957

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent, but sent them a sar request in 2008 and they never complied but we believe they took the £10 paid which was meant for the sar off the balance instead )

Account owner (citifinancial ) now with 1st credit

received today 24/09/2012

Legal proceedings being considered

We regret the sum detailed remains outstanding. We are considering issuing County Court proceedings against and any claim will include a claim for legal costs and interest.

If we obtain a judgement against you and it remains unpaid for 30 days it will be entered int he Register of Judgments, Orders and Fines, making i difficult to obtain credit at competitive rates .

Susequent failure to make payment of the judgement could result in enforcement action .

* an application to your employer for an attachment of earnings.
*an application for seizure of our assets by county court bailiff.
*an application for a charging order against your property (if owned by you)

we have not received anything in the form of a cca to the request sent in July so what should we do now please

received today 01/10/2012

pay within 7days YOU PAY 70% DISCOUNT OF 30%

niddy said to resend the cca request again, shall add that i sent this request on the 9/07/2012 with a £1.00 postal order ? shall simply just addd that bit in the letter ?

received today 06/10/2012

Another threat considering court proceedings.

I will resend the cca request on Monday , i won't include another £1 as they still have that from July

[Spent2much]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2004) maybe before

Approx balance.( £1,461

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( niddy has seen the cca they sent and believes it to be UE. )

Account owner (citi financial) now with 1st credit

OFFER PAY WITHIN 7DAYS YOU PAY 70% DISCOUNT 30%

19/10/2012
annual statement from 1st credit .

19/10/2012

1st credit saying they will advise citi of mt request for cca.
Also said this.
Should your request also include documnts, please be advised of the following:

Deed of Assignment-we would refer you to section 136 of the Law of Poroprty Act 1925 which provides that the debtor is notified of the assignment of the debt in wiriting and not a copy of the Deed itself.

Copy statements- there is a charge of £10.00 for this information.

On receipt of the copy agreement we would expect you to contact this for immediately to arrange settlement of the debt.

[Never-In-Doubt]

Re: spent2much UE diary

• Type of account (overdraft with lloydstsb) mine
• Date commenced (2005)
• Approx balance.( £644.67
• Date last paid (22/06/2012)
• Are you on arrangement or not paying (stopping dmp )
• Status (default/letter recieved today, )
• Account owner (iQor on behalf of their client )

received yesterday 19/09/2012


Further to your recent request under the Consumer Credit Act 1974, sec 77/78 for a copy of your original credit agreement we note that we have not received a fee of £1.00 from you which is required under the Act and for that reason we have not progressed your request any further.


Should you wish to continue with this request, please forward us the prescribed fee of £1.00 and your request in writing.

received today

As we haven't been able to agree a suitable repayment plan , we've transferred your LTSB CURRENT ACCOUNT to a Debt Collection Agency, Robinson Way.
We've instructed Robinson Way to arrange collection of the outstanding amount.

Please contact Robinson Way as soon as possible to arrange to pay back the outstanding blaance .Their full contact details are below, and they can be contacted blah blah blah

received today 1/010/2012

ROBINSON WAY LIMITED DEBT COLLECTORS

IMPORTANT DO NOT IGNORE

Our client has authoriesed us to recover the full amount you owe, shown above.
PLEASE PAY THE FULL AMOUNT YOU OWE WITHOUT DELEY. If you cannot pay in full call us dierectly to agree an affordable payment plan.

If you do not pay or agree to a payment plan with us, we may advise our client to start court action. If a court considers your failure tp pay to be due to neglect, an order for payment may be made. If you fail to pay in accordance with a court payment order the following may accur:

*An application is made to court to enforce repayment
*Future credit, especailly mortgages, will be difficult to obtain
*This account may continue to be a worry for you

Unpaid debts don't just go away or get forgotten no matter how much people want that to happen. Call now to pay or agree bla bla bla

For now, ignore them

[Never-In-Doubt]

Re: spent2much UE diary

Type of account (credit card)mine

Date commenced (2003)maybe even before cannot remmeber

Approx balance (£8,530)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (Lloydstsb)


Type of account (credit card)mine

Date commenced (2003)maybe even before cannot remmeber

Approx balance (£8,530)

Date last paid (22 June 2012)Please send another cheque/postal order, made payable to Lloyds TSB (a/c HPES

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (Lloydstsb)

received this from ltsb today 16/08/2012

Dear spent2much,

You recently sent us a payment for £1.00. Unfortunatley we are unable to accept this paymnt as:

- You have asked us pay into a product we do not manage

Please send another cheque/PO , made payable to LLoyds TSB (a/c HPES ) and quoting the loan agreement number, if you still wish to pay this money into your loan .

This isn't a loan it is a credit card , what are these muppets on about ?

anyone

received 13/09/2012

statement and balance .

If you do not pay off the full amount outstanding, we will allocate your payments to the outstanding balance in a specific order, which is set out below. The way in which payments are allocated can make a significant difference to the amount of interest you will pay until the balance is cleared completley.

Allocation of payments.
Since no interest or charges are being applied to your account, your payment will be used to pay off your aoutstanding balance.

Dispute resolution

If you have a problem with your agreement, please try and settle it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Ombudsman. We will provide details of how to contact the Ombudsman.

letter received today 18/09/2012

Your payments are in arrears and a payment of £*** is required.

You are reminded that in order to avoid further action, payments must be made on the due date previously agreed under the instalment plan.

If you are unable to make these payments , please complete and return the questionaire overleaf within ten days to enable us to assess your situation.

IF YOU HAVE MADE PAYMENT WITHIN THE LAST 7 WORKING DAYS. PLEASE IGNORE THIS LETTER.

so what should i do now, they have not attempted to send me the cca which i requested , but they sent the £1 back last month and said they cannot pay into this account as they don't have the facility to do so, i sent another letter and wrote on the cheque 'for cca purpose only ' back to them and they have ignored it so it seem



received today 20/09/2012

Dear Mrs, ***

IMPORTANT INFORMATION-WE'RE MAKING A CHANGE TO YOUR CREDIT CARD AGREEMENT WITH US.

from 1st November2012 we're changing your credit card agreement with us and adding a new condition to your existing terms and conditions.

It's important we tell you about this change as your credit card account is currently in default and there's still a balance owing-although you have a repayment plan in place with us to reduce this.

We've included the condition below for you to read.

NEW CONDITION - 15.8

If we owe you any money in connection with any transactions, interest or charges on your account we may use that money to reduce any arrears you owe under this agreement. If we intend to do this we will tell you when we offer to make a payment to you. We shall also follow any relevant guidance in a Code of Practice that applies to us, or as requied by our regulator or another similar body.

There;s no need for you to do anything else, but if you would like more information on this change, you can call us on 0845 603 5493

cca reminder sent 24/09/2012


received today 1/10/2012

You recently sent us a payment for £1.00 Unfortunatley we are unable to appcept this as:

-You hace asked us to pay into a product we do not manage.

Please send another cheque/postal order, made payable to Lloyds TSB (a/c HPES and quoting the loan agreement number, If you wish to pay this money into your loan.

If you have any queries about hsi please call me . My number is at top of this letter.

They have returned the postal order once again and my letters requesting the CCA for credit card which they think is a loan .

Ok, so can you clarify - have you actually sent a CCA Request and the £1 PO? if so resend it again, sorry but you need to send a normal CCA Request and they will then respond to it.....

[Spent2much]

Re: spent2much UE diary

Ok, so can you clarify - have you actually sent a CCA Request and the £1 PO? if so resend it again, sorry but you need to send a normal CCA Request and they will then respond to it.....

Hi thanks niddy, i sent them the normal cca request but they sent the PO back saying they couldn't pay into that account

[Never-In-Doubt]

Re: spent2much UE diary

Type of account (loan in joint names)

Date commenced (2004)

Approx balance.( £1,957

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( cca being sent, but sent them a sar request in 2008 and they never complied but we believe they took the £10 paid which was meant for the sar off the balance instead )

Account owner (citifinancial ) now with 1st credit

received today 24/09/2012

Legal proceedings being considered

We regret the sum detailed remains outstanding. We are considering issuing County Court proceedings against and any claim will include a claim for legal costs and interest.

If we obtain a judgement against you and it remains unpaid for 30 days it will be entered int he Register of Judgments, Orders and Fines, making i difficult to obtain credit at competitive rates .

Susequent failure to make payment of the judgement could result in enforcement action .

* an application to your employer for an attachment of earnings.
*an application for seizure of our assets by county court bailiff.
*an application for a charging order against your property (if owned by you)

we have not received anything in the form of a cca to the request sent in July so what should we do now please

received today 01/10/2012

pay within 7days YOU PAY 70% DISCOUNT OF 30%

1st Credit are very pro-litigation, I would seriously send off a copy of the last CCA Request with a cover letter saying please reply to my previous request made July 2012.....

[Never-In-Doubt]

Re: spent2much UE diary

Hi thanks niddy, i sent them the normal cca request but they sent the PO back saying they couldn't pay into that account

thick twats, just resend it..... :niddy

[Never-In-Doubt]

Re: spent2much UE diary

Type of account (credit card)husband's

Date commenced (2004) maybe before

Approx balance.( £1,461

Date last paid (22/06/2012)

Are you on arrangement or not paying (stopping dmp )

Status ( niddy has seen the cca they sent and believes it to be UE. )

Account owner (Lloydstst) now with 1st credit

OFFER PAY WITHIN 7DAYS YOU PAY 70% DISCOUNT 30%

Send missing PT's template to 1st Credit.....

[Spent2much]

Re: spent2much UE diary

Send missing PT's template to 1st Credit.....

will do thank you , did you receive the last cca we got from Black horse please ?

[Never-In-Doubt]

Re: spent2much UE diary

will do thank you , did you receive the last cca we got from Black horse please ?

Yes I will check later - promise

Been a tad busy of late....

[Never-In-Doubt]

Re: spent2much UE diary

will do thank you , did you receive the last cca we got from Black horse please ?

Yes I will check later - promise

Been a tad busy of late....

Was this for a vehicle and if so, do you still have the vehicle? I cannot read the values - please will you confirm (via email) the values that show in boxes A, B, C, D, E from down the left of the agreement - plus, where are the T's & C's...?

Thanks

[Spent2much]

Re: spent2much UE diary

Yes I will check later - promise

Been a tad busy of late....

ok sorry for impatience

[ScabHunter]

Re: spent2much UE diary

Dear spent2much,

You recently sent us a payment for £1.00. Unfortunatley we are unable to accept this paymnt as:

- You have asked us pay into a product we do not manage

Please send another cheque/PO , made payable to LLoyds TSB (a/c HPES ) and quoting the loan agreement number, if you still wish to pay this money into your loan .

This isn't a loan it is a credit card , what are these muppets on about ?

anyone

I need to pick up on this – what the hell are these clowns on about? The statutory fee for s.77-79 request is not paid into any “product”, it is simply paid to the organisation in exchange for information. Regardless of whether it was a loan or a credit card, they were paid for information so they now need to provide it.

When alleged creditors start being stupid instead of just sending a compliant agreement, it is usually a sign that they know they don't have one.

Just be careful keep above them they can do dirty tricks I have been informed,

Hi Gangshield,

I see the OP has a Rob Way issue. This is of interest to me also as my long standing Crapbot farce has now been farmed out to them. Any links which you or anyone else could provide to specific dirty tricks which they are prone to play would, I'm sure, be appreciated.

Just make sure you respond to them. I sent 3 letters in 3 weeks and they pushed off. Then went to Westcot

I do hope that is what happens to mine as well. Wasteclot are about as useless as it gets.

BTW Congratulations Vint on being made a moderator – very well deserved.

SH

[Spent2much]

Re: spent2much UE diary

Was this for a vehicle and if so, do you still have the vehicle? I cannot read the values - please will you confirm (via email) the values that show in boxes A, B, C, D, E from down the left of the agreement - plus, where are the T's & C's...?

Thanks

I have sent you another email with figures , thanks

[Never-In-Doubt]

Re: spent2much UE diary

Do you mind if I send the agreement to Diddlydee - one of our super moderators.

She's shit hot at checking the figures - I suspect this may be UE based on them including a fee (twice) within the main body of the PT's. They should separate it as technically you're paying interest on the fee which means they need their own PT's.

Anyway I want to check the sums but diddly is my loan verification expert so if you ok it, we'll try sort you an answer tonight....

Please advise.